Fintech and the Remaking of Financial Institutions

Námskeið VIÐ302F Fjártækni - Höfundur: John Hill
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Fintech and the Remaking of Financial Institutions

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Efnisyfirlit

  • Cover image
  • Title page
  • Table of Contents
  • Copyright
  • Acknowledgments
  • Chapter 1. Introduction
    • Abstract
    • M-Pesa: Providing Some of the World’s Poorest With Financial Access
    • Venmo: Effortlessly Split Dinner Tabs, Buy Concert Tickets With Friends
    • Bitcoin, Ethereum and Other Cryptocurrencies
    • Blockchain: A Protocol With Wide Application Potential
    • Square: Mobile Payments
    • Stripe: E-Commerce Payments
    • Lending Club, SoFi, Kiva: Peer-to-Peer Lenders Disintermediate the Banks
    • Transferwise: Matching Users for Remittances
    • Chapter 2. Disruption and Disintermediation in Financial Products and Services: Why Now?
    • Chapter 3. Money: A Medium of Exchange, Unit of Account and Store of Wealth
    • Chapter 4. Financial Institutions
    • Chapter 5. Bubbles, Panics, Crashes, and Crises
    • Chapter 6. Bank Lending
    • Chapter 7. Time Value of Money: Interest, Bonds, Money Market Funds
    • Chapter 8. Equities, Efficient Markets, Exchanges
    • Chapter 9. Foreign Exchange
    • Chapter 10. Forwards, Futures, and Swaps
    • Chapter 11. Commodities
    • Chapter 12. Options
    • Chapter 13. Startup Financing
    • Chapter 14. Fintech in a Global Setting
    • Chapter 15. Fintech and Government Regulation
    • Chapter 16. Social Issues: Diversity and Inclusion, Unemployment, and Income Distribution
    • Chapter 17. The Future Millennial Bank—Your Parents’ Bank Integrates With the Disrupters
  • Chapter 2. Disruption and Disintermediation in Financial Products and Services: Why Now?
    • Abstract
    • Millennials
    • Millennials are Using Money Differently
    • Technology
    • Quantum Computing
    • Graphical Processing Units
    • The Cloud
    • Artificial Intelligence
    • Fintech Application of AI
    • Startup Lifestyle
    • References
    • Further Reading
  • Chapter 3. Money: A Medium of Exchange, Unit of Account, and Store of Wealth
    • Abstract
    • How is Money Measured?
    • Trends in Non-Cash Payments
    • Financial System Plumbing: How Credit Cards Work
    • Financial System Plumbing: The ACH
    • How the ACH Network and ACH Payments System Works
    • Fintech Applications
    • Digital or “Crypto” Currencies
    • How Bitcoin Works
    • Silk Road
    • Mt. Gox
    • Bitcoin in China
    • Bitcoin in Venezuela
    • Bank of England
    • Initial Coin Offering
    • Blockchain: A Form of Distributed Ledger Technology
    • BIS: Digital Ledger Technology
    • R3
    • Depository Trust and Clearing Corporation
    • Digital Asset Holdings
    • Chicago Mercantile Exchange
    • Ripple
    • Payments
    • Adyen
    • Apple Pay
    • Square
    • Stripe
    • Venmo
    • Zelle
    • Zoop
    • Alipay
    • References
  • Chapter 4. Financial Institutions
    • Abstract
    • Information Asymmetries, Moral Hazard, and Adverse Selection
    • Commercial Banks
    • Investment Banks
    • Central Banks
    • Insurance Companies, Finance Companies, Hedge Funds, Mutual Funds, Exchange Traded Funds
    • Shadow Banking: Other Financial Intermediaries
    • Historical Innovation in Big Financial Institutions
    • Fintech Applications
    • World’s Best Digital Bank
    • References
  • Chapter 5. Bubbles, Panics, Crashes, and Crises
    • Abstract
    • Selected Notable Events
    • Tulipmania
    • South Seas Bubble
    • Mississippi Company
    • Bank Panic of 1907
    • The Great Depression
    • Regulatory Responses to the Great Depression
    • Stock Market Crash of 1987
    • Tech Bubble: The Dotcom Crash in 2000
    • The Global Financial Crisis
    • Regulatory Responses to the Global Financial Crisis
    • Common Features: Run-Up Phase and Crisis Phase
    • Fintech Issues Relevant to Systemic Financial Risk
    • Appendix: Timeline of Global Financial Crisis Events 2007–10
    • References
  • Chapter 6. Bank Lending
    • Abstract
    • Secured vs Unsecured Loans
    • LIBOR
    • Real Estate Loans
    • Payday Lending
    • Credit Scores: FICO
    • Fintech in Lending
    • References
    • Further Reading
  • Chapter 7. Time Value of Money: Interest, Bonds, Money Market Funds
    • Abstract
    • Future Value and Present Value
    • Internal Rate of Return
    • Credit Instruments
    • Fisher’s Law
    • Term Structure and Yield Curve
    • Types of Debt Instruments: Money Market Instruments
    • Types of Money Market Funds
    • Types of Debt Instruments: US Treasury Securities
    • Types of Debt Instruments: Agency Securities
    • Types of Debt Instruments: Corporate Bonds
    • Types of Debt Instruments: Municipal Securities
    • Types of Debt Instruments: Sovereign Debt
    • Fixed Income Trading Platforms
    • Fintech Applications
  • Chapter 8. Equities
    • Abstract
    • Risk, Return, and Diversification
    • Capital Asset Pricing Model
    • Efficient Market Hypothesis
    • Random Walk
    • Equity Indexes
    • Types of Orders
    • Equity Trading Venues
    • Regulation
    • Fintech in Equities
    • Roboadvisors
    • References
  • Chapter 9. Foreign Exchange
    • Abstract
    • Exchange Rate Determination in the Long Run
    • Exchange Rate Determination in the Short Run
    • Effects of Relative Interest Rates on Exchange Rate Determination
    • Currency Futures, Options, and Swaps
    • Fintech Applications
    • Anti-Money Laundering and Other Concerns
    • References
  • Chapter 10. Futures, Forwards, and Swaps
    • Abstract
    • Futures Mechanics
    • Single Stock Futures
    • Equity Swaps
    • Total Return Swap
    • Inflation Swap
    • Stock Index Futures
    • Interest Rate Swaps
    • Interest Rate Futures
    • Hedging Example: Locking in an Interest Rate
    • Credit Default Swaps
    • Hedging Example: Protecting a Bond Payment Stream With CDS
    • Fintech Applications
    • References
  • Chapter 11. Commodities
    • Abstract
    • Evolution of Commodity Trading
    • Central CounterParty
    • Categories of Commodities
    • Commodity Forwards, Futures, Swaps, and Options
    • Trading Conventions and Terminology
    • Participants in Futures Markets
    • Hedging Example: Farmers and Corn
    • Hedging Example: Airlines and Jet Fuel
    • Commodities as an Asset Class
    • Commodities Exchange Traded Fund
    • Fintech in Commodities
    • Blockchain in Post-Trade Processing
    • Blockchain in Physical Commodities
    • Artificial Intelligence in Energy Data Analysis
    • References
  • Chapter 12. Options
    • Abstract
    • Risks in Trading Options
    • Basic Option Strategies
    • Additional Option Strategies
    • Option Pricing
    • Theoretical Pricing Models
    • Fintech Applications in Options
    • References
  • Chapter 13. Startup Financing
    • Abstract
    • Credit Cards and Cash on Hand
    • Friends and Family
    • Loans
    • Crowdfunding
    • Equity Crowdfunding
    • AngelList
    • Angels
    • Accelerators
    • Venture Capital
    • Initial Public Offering: Is Going Public (IPO) the Founder’s Holy Grail?
    • Initial Coin Offerings
    • References
    • Further Reading
  • Chapter 14. Fintech in a Global Setting
    • Abstract
    • Fintech in the United Kingdom
    • Fintech in the European Union
    • Fintech in Germany
    • Fintech in Canada
    • Fintech in China
    • Fintech in Singapore
    • Fintech in India
    • Fintech in Africa
    • Fintech in Brazil
    • References
  • Chapter 15. Fintech and Government Regulation: If It Quacks Like a Bank…
    • Abstract
    • Financial Regulation Background
    • Significant Legislation Governing US Financial Regulation
    • Financial Regulators
    • Office of the Controller of the Currency
    • Federal Depositors Insurance Corporation
    • Office of Financial Asset Control and Financial Crimes Enforcement Network
    • Several Start-ups Have Been Found to Be in Violation of Regulations
    • US Policies to Support Fintech Start-ups
    • UK Policies to Support Fintech Start-ups
    • EU Support for Fintech
    • Regtech: Fintech Technologies Designed to Help With the Financial Regulatory Burden
    • References
  • Chapter 16. Social Issues: Diversity and Inclusion, Unemployment, and Income Distribution
    • Abstract
    • Lack of Diversity in VCs
    • Is It a Pipeline Problem? A Bias Problem? Both?
    • Unemployment and Income Distribution Effects
    • Income Distribution Effects
    • Who Reaps the Gains of Technological Advancement?
    • References
    • Further Reading
  • Chapter 17. They are Not Dead Yet: How Big Financial Institutions Will Work with Fintech Startups to Define the Market Structure of the Future
    • Abstract
    • Incubators and Accelerators
    • Big Financial Institutions Investing in and Partnering with Startups
    • Card Startup Support Programs
    • Distributed Ledger Projects
    • Internal Bank Units
    • Goldman Sachs: “We are a technology company”
    • Altering Internal Banking Culture to Reflect Millennial Sensibilities
    • For Banks, Disruption has Its Risks but also Opportunities
    • References
    • Further Reading
  • Index

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